First-Time Aircraft Buyers

Talk to a specialist

Not ready to apply? Let's talk first.

Tell us how to reach you and a FLYING Finance specialist will follow up to talk through rates, down payment and timing for the aircraft you have in mind.

No credit pull to start the conversation
Pre-approval decisions in 1–2 business days
Pilots on staff who know your aircraft

Prefer to call? (702) 757-1176

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Frequently Asked Questions

Do I need a pilot certificate to buy an airplane?

No, but the aircraft must be flown by a qualified pilot, and your insurance premium will depend heavily on that pilot's experience. Get an insurance quote before you make an offer.

What credit score do I need to finance an aircraft?

Most aviation lenders start at 680, with the best pricing from about 720. Below 680 is not an automatic no; down payment, liquidity and income all count.

How much do I need for a down payment?

For a certified piston aircraft, plan on 10 to 15% down on a standard full-doc program.

Will getting pre-approved hurt my credit?

No. FLYING Finance pre-qualification uses a soft pull with no credit impact. A hard inquiry is made only when your application goes to one targeted lender.

What should I budget beyond the loan payment?

Plan for hangar or tie-down, insurance, the annual inspection, fuel and an engine reserve. FLYING Magazine puts typical single-engine operating costs at about $15,000 to $35,000 a year at 100 hours.